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    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I am not saying that this has actually happened. I don’t know. I am just enquiring if anyone else has heard about it?

 

Whilst in the pub the other night, I over heard a conversation that went along the lines of: The Bank’s and Building Societies, had before the crash, been allowing home owners to get into difficulties so that they could reposes their homes, purchase them cheap at auction via a 3rd party and then sell them on for full price via the 3rd party thus depriving the owners of their home and equity, making themselves a nice profit. I wonder if anyone else has heard of this. I can easily see how these institutions could have looked on with envious eyes as equity soared for the homeowner and not for them. After all they had a mortgage invested in the place.

 

Nothing would surprise me these days; this would be yet even more rich pickings from the cash cow that we members have become?

 

I don’t normally listen into conversations, only I couldn’thelp it as they were standing right behind me and I couldn't help it.

Edited by notNBSagain
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Theres no proof of this, but it wouldnt surprise me at all, given the antics of some of the biggest banks over the last few years.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Perfectly plausible, from a moral standpoint the Bank’s and Building Societies would have no qualms because to them it would represent a shrewd business move so long as they did not actively encourage people to swim out of their depth.

 

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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I think this is very likely with the sub-prime lenders.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm sure there are provisions in law to prevent that sort of thing from happening - that said with the way companies can be structured I also imagine it would be very easy to circumvent the rules.

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As others have said, it wouldn't surprise me in the least, in my opinion banks are a law unto themselves, and are at times legalised thieves when it comes to raising interest rates when it suits them, and making it difficult to pay more than the minimum on credit cards etc.

 

But the other reason I believe this could be plausible, is so many customers (Santander) had their overdrafts taken from them going back about 2yrs ago now, it didn't bother me as I don't use mine, but it came to light that their reason for doing this to everyone was to manipulate their lending statistics.

 

Those who wanted their overdrafts had to apply again (even though it came automatically with the bank account in the beginning), therefore it appeared that their lending had gone up!

 

They just forgot to mention that the overdrafts had probably dropped as people such as myself who originally had the facility, didn't bother applying! So it was less than the previous year!

 

Craft huh?

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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A little snippet that's highly appropriate to this thread.

 

here http://unemploymentmovement.com/forum/chat-a-rap/6312-bankers-caught-on-tape-joking-about-bailout-and-how-theyd-never-pay-it-back

 

Out of the horses mouth.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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To a bank, they are not houses. They are purely numbers that can be manipulated into cold hard cash for the bankers.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The bank's and building society's are worse than criminals and building society's are the worst. We expect this sort of thing from criminals, scmmers and other low life, but not from the bank's and building society's. To make it worse building society' hide behind NOT being like bank's and having members who they can rip off with low interest rates and high interest rates depending on direction of travel, plus anything else they feel that they can get away with.

When you have problems they don't want to know. You automatically become an "I won't pay " NOT an “I can’tpay”. Remember criminals have rights, building society members and bank customers don’t.

Edited by notNBSagain
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Banks are private companies. All private companies are the same and exist for one reason. To make money. The banks have the added bonus that the government won't do anything to them as the directors of the bank sit as advisors and as lords, as well as donating through intermediaries to whichever party is in power.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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A little snippet that's highly appropriate to this thread.

 

here http://unemploymentmovement.com/forum/chat-a-rap/6312-bankers-caught-on-tape-joking-about-bailout-and-how-theyd-never-pay-it-back

 

Out of the horses mouth.

 

OMG!!! :!:

 

Did you listen to the recording on the link?

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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Thanks duckwaddler & osdset.

I hadn't seen it. I have now. Authorities turning blind eye don't care at all. I suggest we teach the b*****ds a lesson and kick them all out at the next election. What we need is new blood. Remember MP's expenses. If everyone who voted conservative and liberal democrat last time voted labour and everyone who voted labour voted conservative and all those who didn't vote stayed in bed and continued not giving a dam, then in theory every MP in the government at the moment would be out and we would have completely new parliament, full of new blood. Of course though, we could all vote UKIP. that would teach the b*****ds .

I must say, I was amused to see the Tower of London in the background, that is exactly where they deserve to be imprisoned, awaiting the axe.

The real problem is that MP’s think they have a career, and the voters can go to hell and back again. They forget that we put them where they are and pay them. They also tend to forget that the government has no money and neither does local government. The only money they have is ours. which they are extremely loathed to give back to us when we need it. Going back on their word planning cut backs in pensions etc. etc.

Don't let them get their feet under the table, it's a mistake. Keep voting them out instead of in, it sharpens their mind's and makes them think of us for a change.

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If you REALLY want change in this country then you need a new political party. Get the people who want change behind you, get economists etc to draw up a plan, then get started in the local by elections and progress up. The current main 3 parties are in it for themselves. They have proven that over and over yet people are too stubborn or stupid to realise that and keep blindly voting for them in every election.

 

We have dozens of political parties for each constituency yet only 3 really ever get voted for.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The biggest problem is that the voters are too isolated. They need some sort of organisation in order to be able to pull together and get rid of the rubbish we find ourselves stuck with. If only we could come together with a plan to target and kick certain MP's out, then they would have to change the way they operate, irrelevant of their party, in favour of the people and not themselves. We need a new party that has a chance of getting in and getting us our country back from Europe.

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One big problem is "safe seats" that just happen to be the deciding constituencies. The conservatives for example have 1 deciding seat that has been safe since the early 1900's

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Even so, I bet most constituents don't bother voting even in safe seats. If they did start voting and were a part of the plan, then there would be no safe seats at all. However, it would need organisation and commitment from all the non voting electorate to vote and to vote the way required.

If this happened we the electorate could put any party we wished into power and really take charge of our country instead of it being left to these Morons.

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It's been this way for over a hundred years. It's ingrained in the minds of people. You wont change it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Was just browsing the FCA site and thought you folks may be interested in this. http://www.fca.org.uk/consumers/financial-services-products/mortgages/mortgage-fraud

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Sorry I have only just seen your replies, I've not been on in a while and couldn't find the thread :lol:

 

Odset's right, a brand new political party is what's needed - only thing is, political folk are greedy folk, no matter what party they're from, it would be nice if the people could run the country!

 

Not gonna happen though, and wouldn't work!

 

I really don't know what the answer is :|

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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